Financial advice
Kyle believes that college students' financial management is generally divided into two stages: one is to find out how the money is spent, and the other is to try small investments when there is a certain accumulation. She said that the core of college students' financial management is only four words: open source and reduce expenditure.
Four throttling methods
1. Bookkeeping is the basis of financial management. It is suggested that Xiao Chen record the monthly income and expenditure. He can save the first month's living expenses 1000 yuan before the start of school, and then go to the bank to apply for a debit card. The remaining 4000 yuan of living expenses can be used to buy "quasi-savings" products such as money funds. When you need to withdraw the living expenses for next month, you only need to redeem it 2-3 working days in advance, which is more convenient through online banking. Xiao Chen also needs to distinguish between necessary and unnecessary expenditures. For non-essential expenses, he can choose an alternative expenditure plan. If you choose mineral water or boiled water instead of drinks, you will gain long-term wealth increase through slow accumulation.
2. Learn about second-hand trading. Textbooks used by others, TOEFL, GRE reference books, etc. They are all bought at relatively cheap prices, saving money and knowledge will not be discounted. Xiao Chen can use the campus network to publish trading information and establish an "online flea market". You can also use the existing C2C e-commerce website to publish and obtain information. This method is becoming more and more popular among college students.
3. Maximize the use of free resources. Student status is a valuable resource and you can enjoy many benefits. Xiao Chen might as well give it a try: for reference books that are not commonly used, it is better to borrow them from the school library instead of buying them from the bookstore. As a student, you can also enjoy many benefits in many places outside the school: discounts on holiday train tickets, discounts on museums or science and technology museums and even free visits.
4. Reduce unnecessary parties. When I first entered the university, my friends and fellow villagers liked to get together. But those parties that are purely for "eating", especially for ostentation and extravagance, are better not to go. Marco also kindly reminded Xiao Chen that if you want to spend money without hurting the feelings of fellow villagers, sometimes you have to learn some white lies.
Three methods of open source
1. Earn labor income. Strive to participate in internships, part-time jobs and other activities to get paid.
Taking a part-time job can not only accumulate social experience, but also help you find a job after graduation. In addition, Kyle also strongly recommended "study hard". Learning is an investment in the future, and scholarships of several thousand yuan per semester are also very attractive. Besides, studying hard can also reduce the number of off-campus consumption, which is a multi-pronged thing.
2. Obtain property income. If Xiao Chen's monthly living expenses are still left, it is suggested that he make a fixed investment in the fund and establish the concept of value investment. When he graduated from college four years later, Xiao Chen will find it an unexpected fortune. However, Xiao Chen's stock trading is not recommended. For students with weak self-control, the stock market will affect their mood and sleep, and ultimately affect their normal study and life.
3. Get business income. You can open online stores for sale on Taobao and Yi Bei. Opening a shop online can be free of rent, decoration and tax, and only requires identity authentication. It is an investment method with less investment and convenient operation. Selling some unique gadgets in the store, or selling second-hand items you don't use, such as books and clothes, is a way to revitalize items and earn pocket money.
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